What's The Point in Getting Insurance With Rental Cars?

When renting a car, many travelers find themselves wondering if insurance is really necessary. After all, it’s just a temporary vehicle for a short trip — what could possibly go wrong? The truth is, a lot can go wrong, and that’s where rental car insurance becomes not just helpful, but essential.

Understanding Rental Car Insurance

Rental car insurance typically includes four types of coverage:

Collision Damage Waiver (CDW) – Covers damage to the rental vehicle in case of an accident.

Liability Coverage – Pays for damage you cause to other people’s property or injuries to other people.

Personal Accident Insurance – Covers medical costs for you and your passengers.

Personal Effects Coverage – Protects against theft of personal items from the car.

Some of these might be included in your personal car insurance or covered by your credit card. But relying on those sources can be a gamble. Many personal policies don’t extend coverage to rental cars abroad, and not all credit cards offer comprehensive protection.

Why You Should Seriously Consider Insurance

Avoid Hefty Out-of-Pocket Costs

Even a small fender bender can result in hundreds or thousands of dollars in repair fees. Without insurance, you’ll be footing that bill yourself. Rental companies often charge additional administrative and downtime fees on top of the repair costs.

Peace of Mind

Traveling is stressful enough without worrying about potential damage or theft. Rental insurance ensures you can focus on your trip rather than potential liabilities.

Dealing with the Unexpected

Accidents and thefts don’t schedule themselves — they happen without warning. Whether it's a chipped windshield from a flying rock or someone breaking into the car, insurance acts as a financial safety net.

Limited Liability

In many countries, liability laws can be strict and damages can soar. If you’re not fully covered, you could be held personally responsible for damages and injuries that exceed your regular policy’s limits.

Get Covered and Save Money

One of the reasons travelers skip rental insurance is the cost. While it's true that it adds to the rental fee, using an Avis Discount Code can offset that cost significantly. Avis is one of the most trusted names in car rentals, and they frequently offer discount codes that slash the total bill — making it easier to afford comprehensive coverage.

By using an Avis Discount Code, you can get a great deal on your rental and have enough room in your budget to opt for the recommended insurance coverage. It’s a win-win for anyone who wants peace of mind on the road without overspending.

Final Thoughts

Skipping rental car insurance might seem like an easy way to save money upfront, but it can cost you big in the long run. Between unpredictable road conditions, unfamiliar driving laws, and the high cost of rental vehicle repairs, it’s smart to play it safe. Use an Avis Discount Code to make your rental more affordable, and protect yourself with the right insurance. Because when it comes to peace of mind, it’s better to have it and not need it — than need it and not have it.